Credit cards have progressed stupendously in the last 3 decades to reach a level where they actually make a good investment. Online shopping and virtually every commercial activity online have caused the credit card to also make its presence felt online. There are many types of credit cards in Dubai that are completely online, and even the application process is online. Credit cards come with many benefits and incentives in the form of promos, discounts and cashbacks. These benefits are added to the balance of the credit card holder, and the cashbacks may even be used to reduce the credit balance of the cardholder.

Dubai is a shopper's paradise, and credit card in Dubai is a great opportunity to save money and smartly use the benefits. A credit card can be a great bonus, and the balances paid back in time if used correctly. Credit card Dubai comes with special features such as free lounge access in airports, free valet parking and upto 15% discount on hotel and restaurant bills paid with a credit card.   

1. The first tip is to keep the credit card secured. With the rapid growth and development of credit cards, there is also a lot of growth in scams, and fraudsters will continue to hack card details and make an online copy. However, credit card companies are aware of this constant threat and are making security features even tighter. The tip is to look for a credit card in Dubai with the most foolproof security. One way is to make cardholders on an online virtual card and use a new card number for every transaction. This kind of featureis virtually impossible to hack.
2. The second tip is to use all the rewards that the credit card company is offering in the form of rebates, discounts and cashback on special purchases. As long as credit card bills are paid back in time, these offered discounts and cashback can be great savings and not having acredit card can be a lost opportunity.Benefits are also given on card use in the form of bonus points. Such points can be accumulated and redeemed later in the form of cash or further rebates on fresh purchases. Credit cards do not require annual fees to be paid, and those are the cards to select. There are specific credit cards for people who travel frequently, and they can accumulate air miles by buying air tickets with their credit cards, and these air miles can be redeemed for discounts and other cashback schemes.
3. In spite of the best facilities and amenities, a credit card is a credit that needs to be paid back. Thus the next tip is to avoid small purchases and stick to big purchases onlylike a TV set or an automobile. Not only will there be offers and discounts on using a credit card, but cardholders can also keep track of their purchases and plan to pay back the balance in time. Cardholders tend to lose track if the card is used very frequently for short and small purchases. If cardholders do not keep track of their spending, they may be in for a shock when the bill is generated at the end of the month. An advantage of credit card Dubai is that there are no interest charges as per Islamic Shari’at law, and this is an added privilege though balances still have to be paid back. Credit card users should read the terms and conditions carefully, and that includes the fine print where unsuspecting hidden rules can be mentioned. Though most applicants click on the "agree" button, these must be read carefully without reading all the details. There may even be a penalty for not using the credit card regularly, and there may be a penalty for the period that the card has not been used.
4. Another tip is to not only spend wisely but to use the card smartly in order to extend credit terms. Credit card users should subscribe to credit cards that have a zero per cent transfer facility. This essentially means that the credit balance to be paid back is simply transferred to another credit card which may or may be of the same bank or financial institution. That way, a cardholder can keep transferring balances to other cards and enjoying the benefit of extended credit terms.
5. The next tip for credit card Dubai is for their cardholders to avoid using their card to draw cash from ATM machines. Cardholders need to always remind themselves that a credit card facilitates purchases and offers promos, rebates, cashbacks and discounts only on purchases using the card. A credit card should never be used as an ATM card for drawing cash, which incurs heavy interest and other charges.
6. This tip is the important tips of all for credit card Dubai and cardholders. The credit card is the most useful during emergencies, and many people do not realize this privilege immediately. A credit card can come very handy such as in a medical emergency or getting stranded on a highway with a vehicle breakdown. A credit card Dubai can be used anywhere and in any country or airport in the world and is designed to face any unexpected emergency. Most credit card companies understand emergencies, and they provide their customers with some relief in paying back credit balances until their emergency is under control. Credit card Dubai comes with a feature known as energy shield. A sum of money is kept aside from the credit card holder's paid bills by the credit card company. The company gives financial assistance in the unfortunate event of death, any medical emergency, or even a job loss. A balance waiver can come as a huge blessing during such trying times. The Credit shield, however, needs to be activated by the cardholder.

Having a credit card in Dubai is helpful, beneficial and a blessing in an emergency anywhere anytime.